A friend of mine who was in charge of finance said to his boss “the bank keeps sending me emails to confirm transactions and change my passwords and even after I click the links and re-enter my password they keep on asking, it’s very annoying.”.

It already exists as a scam on the web. A web page that pretends to be your locked desktop, and goes into fullscreen automatically. On top of it you have a scary warning telling you to call a phone number to fix that.

Old people fall for it easily, and don't know that you can hit F12 or something to go into window mode and close it. I had to "fix" that virus a few times recently.